Mortgage assignments are documents that many of us never think twice about, because, as I will demonstrate, these are not documents that we sign and they are rarely in our possession unless we travel down to the local land records office and get a recorded copy. I stared at these assignments for what seemed ages, before it finally occurred to me what I was seeing. I knew that something wasn’t right, however, I was having a very difficult time putting my finger on it. Then, like a light bulb, it all became clear as to what exactly had occurred with the various assignments that would be involved with our case, yet never brought to light because we were too busy fighting the shiny object; a forged mortgage.
Our documents contained two (2) Corporate Assignments of Real Estate Mortgage documents. The first one was a non-MERS assignment:
The first thing that I would notice about this document was that there was already a post-dated notary date on this document.
The second assignment documents in our packet was a MERS Corporate Assignment:
By the time that these two documents had made their rounds, the final resulting document would be a combination of page 1 of the MERS Assignment and page 2 of the non-MERS assignment; as well as two versions of the same document. Allow me to demonstrate:
This is the Corporate Assignment that was sent to our former attorney on September 20, 2006:
On this page I want you to note the “CORP” stamp located on the lower right hand side of this document. Now let’s look at their discovery submission of page 2:
On this document I want you to notice that notarization date; didn’t we see that before? Oh, that’s right, it was there at the closing which happened on April 8, 2004. Also, make note of the “When Recorded Mail To:” information as well; because now I am going to show you what is behind door number three!
This version of the Corporate Assignment was recorded one year and one month after the forged mortgage in our case was recorded, and it is after US Bank allegedly owned the “note”. One must wonder why this document would not have been recorded when the original mortgage was recorded; after all it all pertained to the same “transfer” and had nothing to do with US Bank.
Ah, and another thing you will discover with this last version of the “Corporate Assignment of Real Estates”; part MERS, part not, has some additions since the last time we saw this notarized copy. You will discover that this notary was so smart that she even knew the date, liber and page of a recording in the future; over a month in the future…wish I had that skill!
From the document that was submitted to our former attorney for discovery, to this recorded document, there are many manipulations to behold. Let us make a list, shall we?
- A loan number has mysteriously appeared in the upper right hand corner
- A date, liber and page number have been added to this already notarized document that references a date in the future
- Remember the “CORP” stamp on the discovery version…Where did it go?
- On the second page we now see that the document is to go to California as opposed to Southfield, Michigan.
Last time I checked, it was illegal to alter a document after notarization; however, in this case we can’t trust that notary date either.
What you need to realize is that this is only the first assignment from the original lender to the second lender, New Century Mortgage. Now let’s tackle that sweet little assignment from New Century Mortgage to US Bank.
Now this document is very special. First of all, ETitle Agency is owned by the very law firm that started the illegal foreclosure proceedings against us. At the time that this assignment allegedly happened Orlan’s Associates were not a part of any of this, yet here is their title agency, not only involved in the assignment of the mortgage from New Century Mortgage to US Bank, but involved with document manipulation as well.
First of all, if you are going to get into the business of technical fraud you should at least be good at it as the following image will demonstrate:
It clearly shows that there was other information under this copy and paste. Another interesting fact about this is the recorded date of November 3, 2005. If this was transferred to you in May of 2004, why would you wait until after you started foreclosure proceedings to record it?
The next image also demonstrates again, the amazing precognitive skills of these notaries. Yet another notary with amazing skills to be able to know information that will happen in the future…I surely want this skill!
My last is a general observation of the document as well. If a document has a place where it is supposed to be notarized; why are our land records so full of inaccurate and improperly certified documents that involve the land of it’s citizens?
Well, that concludes today’s lesson on spotting fraud in assignments. I’m not sure what my next lesson will be, however, I am sure that it will be just as thrilling and informative as this one.
Again, share, share, share; because if you think that any of this is acceptable, you are reading the wrong blog.